We were happy at the time to get the home inspection on our first house, the sellers ended up having to fix some code violations because of it at their cost instead of my cost. However, there were some non code violations that we viewed should have been fixed as we found out this winter. But all in all i think you should have one, I'm pretty sure there is a law that says you have to have one in MN and any bid on a house is contingent on a good inspection, we picked our inspector too, I wouldn't trust one that the sellers provide. I think the law even says that if the sellers say they've passed an inspection, there still has to be an inspection done during the bidding process or afterwards, because who knows when the sellers had the inspection and if they really are letting you know 100% of the inspection.